Comparison

Holdings vs Crowded

Both Holdings and Crowded are built for nonprofits. Holdings offers higher FDIC coverage, better APY, free bookkeeping, and works for any business type. Crowded focuses exclusively on nonprofit fund accounting.

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Feature comparison

See how Holdings stacks up against Crowded

Feature	Holdings	Crowded
Monthly Fees	Free	Free tier available
APY on Deposits	1.75%	Varies
FDIC Insurance	Up to $3M	$250K
Built-in Accounting	✅ Included free	✅ Fund accounting
Fund Tracking	✅ Via sub-accounts	✅ Dedicated fund accounting
Donation Tracking	Via accounting + free tool	✅ Built-in
P&L / Financial Reports	✅ Real-time	✅ Fund-level reports
Bookkeeping Service	$100/mo add-on	Not offered
Debit Cards	✅ Physical + virtual	✅ Available
Works for All Businesses	✅ Any business type	❌ Nonprofits only

Why choose Holdings over Crowded

Up to $3M FDIC insurance

Nonprofits holding reserves, endowment funds, or grant balances need more than $250K coverage. Holdings extends FDIC insurance up to $3M through its bank partner network.

1.75% APY on every dollar

Your nonprofit's operating reserves and restricted funds earn 1.75% APY automatically. Over time, this adds meaningful revenue without taking any investment risk.

Full platform, not just nonprofit tools

Crowded is nonprofit-only. Holdings works for any business type — so if your nonprofit has a fiscal sponsorship program, a social enterprise arm, or staff who also run small businesses, one platform covers all of it.

Optional professional bookkeeping

Holdings offers a $100/mo bookkeeping add-on for nonprofits who want hands-off financial management. Crowded does not offer bookkeeping services.

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When Crowded might be the better choice

Crowded may be the better choice if you need purpose-built nonprofit fund accounting with dedicated donation tracking, grant management, and nonprofit-specific reporting out of the box. If your organization's primary need is detailed fund-level accounting rather than general banking, Crowded's specialized approach may fit better.

Frequently asked questions

How does Holdings compare to Crowded for nonprofits?

Both serve nonprofits. Holdings offers up to $3M FDIC insurance, 1.75% APY, free accounting, and optional bookkeeping ($100/mo). Crowded focuses on fund accounting and donation tracking with standard $250K FDIC.

Does Holdings support fund accounting?

Holdings uses unlimited sub-accounts to track funds by grant, program, or restriction. This provides fund-level visibility similar to Crowded's dedicated fund accounting.

Which has better FDIC coverage?

Holdings offers up to $3M in FDIC insurance through its bank partner network. Crowded offers standard $250K. For nonprofits holding reserves or endowment funds, Holdings' higher coverage is significant.

Does Crowded have donation tracking?

Yes. Crowded has built-in donation tracking and fund accounting designed for nonprofits. Holdings tracks donations through its accounting system and offers a free donation receipt generator tool.

Can churches use Holdings instead of Crowded?

Yes. Holdings is popular with churches and faith organizations. Sub-accounts work well for tithe tracking, building funds, and mission funds. Plus you get 1.75% APY on all deposits.

Is Holdings free for nonprofits?

Yes. Holdings is free for all businesses including nonprofits. Zero monthly fees, free sub-accounts, free accounting. Optional bookkeeping add-on is $100/mo.